Home Equity A Vision of Housing Security, Health, and Opportunity Jackie Zubrzycki Stephanie Perez-Carrillo Policy Analyst Communications Specialist Colorado Children’s Campaign Colorado Health Institute Symposium Unplugged November 7,2019
Health Equity Health equity means everyone has a fair shot at living the healthiest life possible. In order to achieve health equity we must replace systems that allow only a few to thrive by creating new programs and policies that support everyone.
Some Terms to Know • Inequities : When systems and policies create less opportunities between groups that are systemic, avoidable and unjust. • Disparities : Measurable differences among groups of people. Inequities cause disparities. • Structural racism : When institutions (such as those in housing, education, and health) collectively create systems and policies that work better for white families than for families of color. Structural racism limits opportunities for some, but contributes to poor outcomes for all.
The Health Equity Advocacy Cohort: Our Why We believe that oppressive and racist practices have negatively impacted the health of Coloradans for too long. We are determined to replace inequitable systems that allow only a few to thrive by creating new programs and policies that support everyone.
Values Guiding Our Process 1. Rooted in equity 2. Prioritized by cohort members 3. Opportunities for input and consultation
colo.health/HomeEquity
What the Research Shows Housing insecurity affects Coloradans from all walks of life . Housing insecurity directly affects health. Some Coloradans, including people of color, families with low-incomes, and immigrant families , are more likely to experience housing insecurity – and poor health outcomes. Policies and practices have led to current inequities - and can help address them.
The Average Home Price in Colorado Has Increased Much More Quickly Than Median Income. Source: Colorado Demographer’s Office, Zillow (2018)
More than half of Colorado renters are housing cost-burdened. Sources: 2017 American Community Survey; Bureau of Economic Analysis
The 2019 Colorado Health Access Survey: New Data on Social Factors that Affect Health colo.health/CHAS
Source: 2019 Colorado Health Access Survey
Housing Instability Affects All Coloradans – Especially Those With Lower Incomes 13.3% 8.0% 2.5% Of those making Of those making Of those making less than 138% of 138-400% FPL more than 400% FPL federal poverty line Source: 2019 Colorado Health Access Survey
In 2019… 8.4% 6.4% Of rural Coloradans Of urban Coloradans reporting housing reporting housing insecurity insecurity Source: 2019 Colorado Health Access Survey
Homelessness in Rural Colorado 1,481 homeless men, women, and children in emergency shelters and transitional housing in non-metro counties Source: Colorado Balance of State Point in Time Survey https://www.coloradocoalition.org/sites/default/files/2018- 10/2018%20PIT%20Report%20-%20Sheltered.pdf
Cost-burdened Households in Colorado: Older Adults Source: 2017 American Community Survey
Different Regions, Different Dynamics • Eastern Plains • Mountain Region • Western Slope
Barriers to Affordable Housing • Lack of federal funding for affordable housing; sunsetting of programs • Lack of housing inventory, development • Lack of landlords willing to accept vouchers • Poverty, lack of employment opportunities • Zoning • What else?
Source: Lake Research Partners, Colorado Coalition for the Homeless, Enterprise Community Partners, Colorado Center on Law and Policy, Colorado Fiscal Institute, Colorado Balance of State Continuum of Care
Of People Who Reported Housing Instability … Source: 2019 Colorado Health Access Survey
Source: 2019 Colorado Health Access Survey
Housing Insecurity Affects Health • Affordability • Stability • Accessibility • Home quality • Neighborhood quality
1. Communities of color 2. Families with children 3. Low-income households 4. People with disabilities 5. Immigrants without documentation 6. People experiencing homelessness 7. Rural communities
The Numbers Rates of Home Ownership Source: 2017 American Community Survey
The Numbers Fair or Poor Health by Race / Ethnicity Source: 2017 Colorado Health Access Survey
Policy Approaches Address several dimensions of insecurity Support communities of interest Evidence-based or in use in Colorado or elsewhere
Housing Policy Opportunities • Medical legal partnerships • Short-term rentals into long-term rentals • Investment fund for naturally occurring affordable housing • Housing trust fund dollars • Tax rebate for lower-income renters • Right to counsel • Prohibit source of income discrimination
Tenant/Resident Protection Wins in 2019 • Time Period to Cure Lease Violations • Eviction Legal Defense • Warranty of Habitability • Mobile Home Park Oversight • Rental Application Fees
New Funding Streams for Affordable Housing in 2019 • Affordable Housing from Vendor Fee Changes : Creates a new funding stream and transfer these dollars to the housing development grant fund. It also requires at least 1/3 of funds be used for affordable housing for households with less than 30% AMI • Expand Supply of Affordable Housing : Allocates funding from the Unclaimed Property Trust Fund to the housing development grant fund to increase the supply of affordable housing.
Three Takeaways 1. Good policy requires co-creation. 2. Housing is essential to health. 3. Change is possible, and we know where to start.
Questions? Comments? colo.health/symposiumunplugged
Stephanie Perez-Carrillo Jackie Zubrzycki Colorado Children’s Campaign Colorado Health Institute
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